IFSC Code of The Nainital Bank Limited, Kamaluwaganja Branch, Uttarakhand

If you are searching for the IFSC code of The Nainital Bank Limited, KAMALUWAGANJA branch in HALDWANI, UTTARAKHAND, this page has every detail you need. The verified IFSC code for this branch is NTBL0HAL111. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the KAMALUWAGANJA branch, and detailed step-by-step guides for using the IFSC NTBL0HAL111 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For The Nainital Bank Limited's KAMALUWAGANJA branch, the IFSC NTBL0HAL111 breaks down as follows: NTBL identifies the bank, 0 is the reserved character, and HAL111 identifies this particular branch.

About The Nainital Bank Limited

The Nainital Bank Limited operates a wide network of branches across India, including the Kamaluwaganja branch in Haldwani. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, NTBL0HAL111.

About the Kamaluwaganja branch

The Kamaluwaganja branch of The Nainital Bank Limited is situated at VILLAGE NARSINGH TALLA P.O.KAMALUWAGANJA,KAMALUWAGANJA ROAD,HALDWANI 263139. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code NTBL0HAL111 is used.

Branch details at a glance

Why every The Nainital Bank Limited branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including KAMALUWAGANJA of The Nainital Bank Limited — its own 11-character IFSC. The code NTBL0HAL111 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC NTBL0HAL111 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Kamaluwaganja branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC NTBL0HAL111 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC NTBL0HAL111

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC NTBL0HAL111 across all three.

NEFT to The Nainital Bank Limited, KAMALUWAGANJA using IFSC NTBL0HAL111

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC NTBL0HAL111, and confirm that the system picks up The Nainital Bank Limited – KAMALUWAGANJA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KAMALUWAGANJA

If you need to transfer ₹2 lakh or more in one go to an account at The Nainital Bank Limited's KAMALUWAGANJA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC NTBL0HAL111 while initiating the transfer and the credit will appear within minutes.

IMPS to The Nainital Bank Limited KAMALUWAGANJA (IFSC NTBL0HAL111)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC NTBL0HAL111 in your mobile or internet banking app, and the money is credited to the KAMALUWAGANJA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Kamaluwaganja

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC NTBL0HAL111:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at KAMALUWAGANJA is still linked to IFSC NTBL0HAL111.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

UPI payments and IFSC NTBL0HAL111

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at The Nainital Bank Limited – KAMALUWAGANJA is still mapped to IFSC NTBL0HAL111. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC NTBL0HAL111 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Kamaluwaganja branch is mapped to IFSC NTBL0HAL111 on the RBI payments network. The branch generally supports the full retail product catalogue of The Nainital Bank Limited, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains NTBL0HAL111.

Banking services available

The Kamaluwaganja branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 5946-238600.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC NTBL0HAL111

Digital banking channels

Most day-to-day work that customers used to do at the Kamaluwaganja branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC NTBL0HAL111 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

Reaching the branch

The Kamaluwaganja branch sits at VILLAGE NARSINGH TALLA P.O.KAMALUWAGANJA,KAMALUWAGANJA ROAD,HALDWANI 263139. If you are travelling from outside Haldwani, search for the branch on a maps application using the bank name and locality, or call 5946-238600 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC NTBL0HAL111 and your account number.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to The Nainital Bank Limited – KAMALUWAGANJA:

• The IFSC is exactly NTBL0HAL111 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills The Nainital Bank Limited as the bank name and KAMALUWAGANJA as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

Working hours

Branch counters at Kamaluwaganja are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to NTBL0HAL111 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC NTBL0HAL111 for The Nainital Bank Limited – KAMALUWAGANJA, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Branch address & contact

Frequently asked questions

Final notes

To recap: NTBL0HAL111 is the IFSC code of The Nainital Bank Limited, KAMALUWAGANJA branch, in HALDWANI, UTTARAKHAND. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.